Unity Bancorp Inc.

UNTY | NASDAQ

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$58.56

+$0.37 (+0.64%)

At close: Sep 21, 2026, 4:00 PM ET

$58.56

$0 (0.00%)

After-hours: Sep 21, 2026, 7:30 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $584.28M

Enterprise Value $544.81M

Beta 0.62

Average Volume 57.24K

Shares Outstanding (Diluted) 10.21M

Shares Change YoY -0.02%

Institutional Ownership 49.92%

Exchange NASDAQ

ISIN US9132901029

Price Performance

Price Change 1M -2.0%

Price Change 3M 3.5%

Price Change 6M 14.8%

Price Change YTD 14.6%

Price Change 1Y 14.0%

Price Change 3Y 150.5%

Price Change 5Y 154.4%

1M CAGR (ann.) -2.9%

1Y CAGR (ann.) 13.4%

5Y CAGR (ann.) 22.7%

All-Time CAGR 9.5%

Valuation

PE Ratio 10.18

Forward PE 8.89

PEG Ratio 0.61

Forward PEG 1.17

PS Ratio 2.81

Forward PS 3.90

PB Ratio 1.58

P/FCF Ratio 14.55

P/Adj. FCF Ratio 15.37

P/OCF Ratio 20.55

EV/Sales 2.60

EV/EBIT 7.13

EV/EBITDA 6.93

EV/FCF 13.48

Earnings Yield 9.8%

FCF Yield 6.9%

Adj. FCF Yield 6.5%

Financial Health

Net Cash $43.19M

Total Debt $326.43M

Cash & Short-Term Investments $369.62M

Total Assets $3.19B

Current Ratio 0.17

Quick Ratio 0.17

Debt / Equity Ratio 0.88

Debt / EBITDA 4.15

Debt / FCF 8.08

OCF / Debt 0.13

Interest Coverage 1.33

Altman Z-Score -0.48

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 63.4%

Operating Profit Margin 37.0%

EBITDA Margin 37.5%

Net Profit Margin 28.0%

FCF Margin 19.3%

Adj. FCF Margin 18.3%

SBC / Revenue 1.1%

SBC Impact (per share) -5.3%

Returns

Return on Assets 1.8%

Return on Equity 16.6%

Return on Invested Capital 8.1%

Return on Capital Employed 18.8%

Return on Tangible Assets 1.8%

Historical Growth (CAGR)

Revenue CAGR 3Y 16.9%

Revenue CAGR 5Y 17.5%

Revenue CAGR 10Y 14.9%

EPS CAGR 3Y 15.1%

EPS CAGR 5Y 15.2%

EPS CAGR 10Y 16.1%

FCF CAGR 3Y -4.5%

FCF CAGR 5Y 4.0%

FCF CAGR 10Y 40.8%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 5

EPS Growth Next 3Y 5.1%

Revenue Growth Next 3Y -3.6%

Earnings Date Oct 12, 2026

EPS Estimate (next Q) $1.49

EPS Growth Est (next Q) 12.0%

Revenue Est (next Q) $35.66M

Revenue Growth Est (next Q) -26.5%

Fair Value Estimates

Graham Number $69.26

Graham Upside 18.3%

Lynch Fair Value $87.57

Lynch Upside 49.5%

Price Target $68

Price Target Upside 16.1%

Cash Flow

Operating Cash Flow $41.97M

Free Cash Flow $40.4M

Adj. Free Cash Flow $38.25M

FCF Per Share $2.70

OCF Per Share $2.85

OCF/S Ratio 13.6%

Income Statement

Revenue $209.43M

Gross Profit $132.69M

Operating Income $77.49M

EBITDA $78.57M

Net Income $58.63M

EPS (Diluted) $5.75

Revenue / Employee $865.41K

Profit / Employee $242.26K

Employees 242

Dividends

Annual Dividend $0.64

Dividend Yield 1.09%

Payout Ratio 11.1%

FCF Payout Ratio 14.3%

Adj. FCF Payout Ratio 15.2%

Dividend Growth (YoY) 14.3%

Pay Frequency Quarterly

Ex-Dividend Date Sep 2, 2026